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How Genetic Testing Can Affect Your Life Insurance Rates


SOLD $35 BILLION WORTH OF OXYCONTIN SINCE IT BEGAN SELLING THE DRUG KNOWING WHAT IS IN YOUR MEDICAL FUTURE

TODAY TESTING CAN PROVIDE SOME ANSWERS BUT EXPERTS WARN THERE CAN BE SERIOUS DOWN SIDE TOSS THESE DNA TESTS HEALTH REPORTER STEPHANIE STAHL HIRES TO EXPLAIN WHY IN TONIGHT EASE IRON STYLE HEALTH SAYER SCIENCE CENTER REPORT REPORTER: SOME TESTING FROM A DOCTORS, OTHERS ARE DO IT YOURSELF KITS THOSE ARE ESPECIALLY POPULAR WITH TENSE OF MILLIONS BEING SOLD THIS PAST DECEMBER ALONE BUT WHAT MANY PEOPLE DO NOT REALIZE IS THE INFORMATION, FROM GENETIC TESTING, COULD BE USED AGAINST YOU AT 46 AND HEALTHY CAROLYN, WAS UPSET, AND SURPRISED WHEN SHE WAS DENIED LIFE INSURANCE

IT WAS A RESULT THAT SHE BELIEVES SITTING DOWN WITH THE GENETIC COUNSELOR AFTER FINDING OUT HER MOTHER TESTED POSITIVE FOR THE BREAST CANCER GENE I CANNOT THINK OF ANOTHER REASON WHY I WOULD HAVE BEEN DENIED REPORTER: SCIENTISTS SAY GENETIC TESTING CAN SAVE LIVES BY PREDICTING POTENTIAL FOR DISEASE BUT INCREASINGLY PEOPLE ARE FINDING THEY ARE BEING DENIED LIFE INSURANCE, LONG TERM CARE, EVEN DISABILITY INSURANCE, BASED ON THE RESULTS MOST PEOPLE DON'T THINK, THAT IF THEY GETTY GENETIC TEST IT COULD EVER COME BACK TO BITE THEM BUT IT CAN IF YOU A PLAY FOR LIFE INSURANCE THEY HAVE A RIGHT TO GET YOUR MEDICAL RECORD AND IF YOU HAVE HAD A GENETIC TEST TAKEN THEY DO HAVE THE RIGHT TO REQUEST IT

REPORTER: CURRENT LAW PRO AFFECT AS BEGINS GENETIC DISCRIMINATION WHEN IT COMES TO HEALTH INSURANCE AND HEALTH ADVOCATES WOULD LIKE IT TO COVER LIFE INSURANCE TOO BIG CHALLENGE, BECAUSE THE INSURANCE INDUSTRY WANTS TO MAINTAIN INDEPENDENT AND ABILITY TO DETERMINE RISK BASED ON THEIR OWN FORMULAS REPORTER: EXPERTS SAY PEOPLE SHOULDN'T HIDE RESULTS OF THE GENETIC TESTING BECAUSE LATER YOU COULD BE ACCUSED OF FRAUD, INSTEAD IT IS RECOMMENDED THAT PEOPLE APPLY FOR LIFE INSURANCE, BEFORE HAVING ANY GENETIC TESTING DONE I UNDERSTAND WHERE THE INSURERS ARE COMING FROM REPORTER: BUT CAROLYN SAYS IT IS ALSO TIME THEY BECOME MORE UNDERSTANDING

INDIVIDUALS WHO KNOW ARE MORE LIKELY TO DO SOMETHING ABOUT IT, AND TO MANAGE IT, BETTER THAN SOMEONE REALLY DOESN'T WANT TO KNOW YOU WOULD THINK THAT THE PREMIUMS, SHOULD REFLECT THAT REPORTER: NOW THERE IS SOME INSURANCE COMPANIES THAT WILL ISSUE LIFE INSURANCE FOR THOSE PREDISPOSED TO CERTAIN DISEASES BUT EXPERTS SAY, THOSE PREMIUMS, TEND TO BE HIGHER THERE IS A LOT TO THINK ABOUT BEFORE YOU GET THIS GENETIC TESTING AND WHAT GOES IN TO IT

Source: Youtube

How Genetic Testing Can Affect Your Life Insurance Rates

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